{
  "id": "hdfc-visa-signature-credit-card",
  "locale": "en",
  "name": "Visa Signature Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (2 visits per calendar quarter) + Priority Pass International Lounge access",
  "rewardsRate": "2 Reward Points / ₹150 spent · 50% Extra Reward Points on Incremental Spends · 1% Fuel Surcharge Waiver",
  "bestFor": "Existing HDFC Bank premium cardholders utilizing domestic and international airport lounges",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/visa-signature-credit-card",
  "aiVerdict": {
    "score": 3,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.33,
  "affiliateId": "hdfc-visa-signature-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Visa Signature Credit Card official schedule of charges and MITC",
    "HDFC Bank Product Notice — Sourcing discontinued; existing cardholder benefits, Priority Pass & lounge terms active"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹3,00,000 in previous anniversary year",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Card Status",
      "value": "Discontinued to new applicants (Existing cardholders active)"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,500 + GST (Waived on ₹3L spend)"
    },
    {
      "key": "Airport Lounges",
      "value": "2 complimentary domestic visits / quarter (8 visits/year)"
    },
    {
      "key": "Priority Pass",
      "value": "Complimentary Priority Pass membership ($99 value)"
    },
    {
      "key": "Base Reward Rate",
      "value": "2 Reward Points / ₹150 spent"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "All Standard Domestic & Overseas Spends",
      "rate": "2 Points / ₹150 (0.33% to 0.40% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Points (~₹400 value)"
    },
    {
      "category": "Dining & Everyday Milestone Spends (50% Extra)",
      "rate": "3 Points / ₹150 (0.60% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹600 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Milestone Spends",
      "multiplier": "1.5×",
      "rate": "3 Points / ₹150",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "50% accelerated points on dining and qualifying spend thresholds."
    },
    {
      "channel": "General Retail Purchases",
      "multiplier": "1×",
      "rate": "2 Points / ₹150",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 reward points per ₹150 across standard retail transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Flights & Hotel Bookings",
      "value": "₹0.30 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Brand Gift Vouchers",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST (Waived on ₹3,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.60% per month (43.2% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Card Status",
      "requirement": "Discontinued for new applications (Retained for existing cardholders)"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 60 years"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}